Know Who You Are Dealing With

I was glancing through the search engine results for debt today and realised just how many sharks there are in the water.

I want to make clear that there are many companies and individuals in this field who are honest, supportive and concerned to do their best for people.

But the field is full of sharks too. [Not such a good metaphor, perhaps, though it might be better if the sharks are visible on the field.]

The thing that makes me so angry about them is their unjustified use of search terms that belong more correctly to the truly independent organisations and charities, such as Citizens Advice. It might not be easy to put a stop to this, but I sure would like to try.

Meanwhile I urge you to be very careful when you look for help over debt problems, or even just if you plan to reorganise your debt situation. Always read as much as you can of the way the organisation owning the site operates; how they plan to help you.

Where there is genuinely no charge for either advice or a debt management activity it should say so fairly prominently an very clearly.

I am aware that it may suit you to go with a company that does charge, and that is your choice. You do know your own business best. Just please do make sure that you are getting what you think you are getting from the organisation or individual you deal with.

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